PPI Reclaiming Discussion part 4

beamerguy

cappo wrote: »

you would'nt want to meet those two in a dark alley would you lol

We really need them to get on the case of these fraud bankers

RuthnJasper

RuthnJasper wrote: »

Well... thanks to Cappo (and MagpieCottage, for the post about the FSA rule which came in very handy!)... here is my appeal letter to M&S Money...:

Thank you for your letter of 7 October, in which you reject my complaint of mis-sold PPI on the above credit card account.

I appreciate the time and effort you took to investigate my complaint. However, I wish to appeal against your finding on the following basis:

On the application form, a copy of which you enclosed with the pertinent section highlighted (copy included with this letter), you will see that the last line – in bold lettering with a sample cross beside the box – states “We strongly recommend you take cover by ticking this box”. I have sought independent financial advice and am told that this emboldened statement constitutes an “advised/recommended sale”.

In addition, the credit card and its benefits were being promoted in-store by a Marks and Spencer representative. Whether they were specifically representing home-ware items, groceries, money or lingerie is of little relevance – their primary duty that day was recommending M&S credit cards to customers, encouraging us to complete the application form, and were representing the Marks and Spencer company as a whole.

To answer your points about why I never previously queried the PPI, firstly, as outlined above you strongly recommended that the cover was taken out and, secondly, FSA Rule DISP App 3.3.6G says, "The firm should not reject a complaint because the complainant failed to exercise the right to cancel the policy."

I should therefore be grateful if you would reconsider my complaint and my request to refund the full amount of PPI paid on this credit card account, plus interest, in accordance with the FSA’s rulings.

I look forward to hearing from you as soon as possible.

Fingers (and claws, in Jasper-dog's case) crossed...

Well, further to my sending the above, today I received the following:

Thank you for contacting us.... etc.

In view of what you have pointed out, we have begun to reinvestigate your case; we will write to you again when this process is complete. We will send you this more detailed response within two working weeks from the date of this letter.

Once again, thank you for... etc.

Hey-ho - more waiting then! At least they haven't dismissed me out of hand...!

Keep smiling!

R xx

cappo

RuthnJasper wrote: »

Well, further to my sending the above, today I received the following:

Thank you for contacting us.... etc.

In view of what you have pointed out, we have begun to reinvestigate your case; we will write to you again when this process is complete. We will send you this more detailed response within two working weeks from the date of this letter.

Once again, thank you for... etc.

Hey-ho - more waiting then! At least they haven't dismissed me out of hand...!

Keep smiling!

R xx

fantastic ruth, well done

RuthnJasper

cappo wrote: »

fantastic ruth, well done

Thanks honeybee. D'you think it sounds promising...?

Oh yes - and of the two Watchdog chaps, please could you have the one on the left couriered 'round to my house? Ta muchly...

xx

cappo

RuthnJasper wrote: »

Thanks honeybee. D'you think it sounds promising...?

Oh yes - and of the two Watchdog chaps, please could you have the one on the left couriered 'round to my house? Ta muchly...

xx

ha ha what are you like, the weddings off is it now lol, yes i think it sounds really good i think they will be upholding it now, that is how the fos would view it.:):):):):):):):):):):):):):):):):):):):):)

RuthnJasper

cappo wrote: »

ha ha what are you like, the weddings off is it now lol, yes i think it sounds really good i think they will be upholding it now, that is how the fos would view it.:):):):):):):):):):):):):):):):):):):):):)

Hahaha! Thanks Captain Cappo! No, you're still my favourite - I'll have leather-boy from the picture for boring weeknights and save you for weekend best! ;) xx

beamerguy

If you watched Watchdog tonight, you will have seen that a customer received a form from the Halifax WHICH TOLD HIM TO F.... OFF

Halifax blamed it on maybe a disgruntled member of staff:rotfl::rotfl:

ITS NOT JUST THE STAFF THAT ARE UPSET WITH HALIFAX / LLOYDS TSB

Is it open season to tell the staff to F .. OFF when you receive a "fob off" letter ?:T

dilus

beamerguy wrote: »

If you watched Watchdog tonight, you will have seen that a customer received a form from the Halifax WHICH TOLD HIM TO F.... OFF

Halifax blamed it on maybe a disgruntled member of staff:rotfl::rotfl:

ITS NOT JUST THE STAFF THAT ARE UPSET WITH HALIFAX / LLOYDS TSB

Is it open season to tell the staff to F .. OFF when you receive a "fob off" letter ?:T

LMAO I'm glad I recorded it now, I'll watch it later :rotfl:

dizzeeblondee

beamerguy wrote: »

If you watched Watchdog tonight, you will have seen that a customer received a form from the Halifax WHICH TOLD HIM TO F.... OFF

Halifax blamed it on maybe a disgruntled member of staff:rotfl::rotfl:

ITS NOT JUST THE STAFF THAT ARE UPSET WITH HALIFAX / LLOYDS TSB

Is it open season to tell the staff to F .. OFF when you receive a "fob off" letter ?:T

what an arseoriohole.....:rotfl:

beamerguy

dizzeeblondee wrote: »

what an arseoriohole.....:rotfl:

YUP they just do not understand do they, love the word dizzee:rotfl::rotfl::rotfl: